Hi, I have a question, I am trying to clean up my credit for the purchase of my first home. Well, I had an joint account with my sister with Wells Fargo, it has since been charged off. I want to know if I can offer a pay for deletion, or can I reverse a charge off maybe? If I pay it off, will it improve my score, at all? The amount due is $621. The amount I borrowed was $1,000, of which I've paid at least $800, if not more. What would help me the most, I guess is my question. The other charge off is with HSBC which I opened in 2006. Any help would be great with this.

I received a loan from betterthanpayday.com They state in their loan agreement it is a short term loan. I applied with them weeks ago and never heard back so I assumed I wasn't approved. Than late last Thursday I received a text saying my loan was approved and it would deposited to my account the following day. I figured it was just a spam text as since I applied on a few sites I receive random texts for loan matching sites. Anyway the next day money was indeed deposited to my account. I was no longer in need of money and didn't want it.

I am in need of any advise here. I am currently applying for the Making Home Affortable program with B of A, they have instructed me on items they need. does anyone know why they want 2 months of my bankstatements? and how detailed should my hardship letter be. I have a medical condition that has alot of issues with it so do I need to write that all out? I am a little overwhelmed with things and dont want to lose out on help because I didnt do enough. Thank you everyone here for your support and encourage ment.

Can i go to jail for taking out a internet payday loan from a different state

I received a call today (on my cell) from Portfolio Recovery, something or other bottom feeders. It was regarding an 8 yr old debt that is long past the SOL here in Tx. I never admitted the debt, and told the woman I knew it was past the SOL, not to mention I knew they'd just bought the debt for pennies on the dollar, and that it can't legally be on my credit report since it's been this long. She also argued with me about how long the SOL was for TX, saying that every state was 7 yrs, and I told her she was wrong.

Please help, I received a loan through Western Sky that that immediately turned around and sold to Cash Call. After I found out that Western Sky was not a legal lender, I wrote Cash Call and told them that the loan was illegal. I got the standard "tribal law" bs that they always send. Now they have sold my account to Delbert Services, who is a legal collection agency in the state of Oregon. Can they sue me for this money? I have no way of paying this back right now. I'm struggling just to pay for necessities.

Soaplady which lender company do you work for? Because it's obvious you have a bias in favor of the loan agency and their practices.

ohio gal informed me fast e funds is NOT legal in utah. thank you. however what reason should i site when notifying them of ach revoke as the utah code ilooked at doesnt offer any obvious choices to me? trying to close my acc. but is negative bal. due to ach nsf fees. fast e funds has attempted withdrawls three times in seven dats. thank you

Here we go again. You guys were a great help when these guys came after me on an account which the case got dismissed due to being beyond the SOL. Now they have contacted me in regards to an account for my wife. I In November they sent information on a credit card they were trying to collect for. I promptly returned a debt validation letter and heard nothing. Now in April 5 months later they send me a letter with a letter saying who the original lender was and enclosed an affidavit showing Midland Credit Management as plantiff and my wife as defendant.

So my 2nd mortgage was charged off a few years ago, we stopped paying sometime in 2006. The company, Wilshire Credit Corp, has since gone under and is no longer in business. A year and a half (or so) ago, I started receiving letters from a CA with settlement offers, I contacted the CA in an attempt to settle the debt at the offer (just over 10% of the original debt) they listed on the letter, I did not provide my banking information and after verbally agreeing to an amount with one of their representatives I went about putting the cash together.